Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs Kotak Royale Signature Credit Card vs SBI Card PRIME
Honest side-by-side comparison of ICICI Sapphiro Credit Card, Kotak Royale Signature Credit Card, SBI Card PRIME — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Sapphiro Credit Card ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹2,055/yr.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | ₹999 | ₹2,999 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | ₹5,00,000/yr |
| Min income | ₹75,000/mo | ₹25,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹140/yr | ₹1,501/yr |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 4 RP/₹100 | 2X reward points | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Limited domestic lounge visits — verify on issuer site | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak Royale Signature Credit Card has the lowest annual fee at ₹999.
- Which card earns more on moderate spend?
- ICICI Sapphiro Credit Card leads with an estimated ₹3,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Kotak Royale Signature Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
ICICI Sapphiro Credit Card
ICICI Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,500 | ₹999 | ₹2,999 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | ₹5,00,000/yr |
| Min income | ₹75,000/mo | ₹25,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,556/yr | ₹140/yr | ₹1,501/yr |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 4 RP/₹100 | 2X reward points | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Limited domestic lounge visits — verify on issuer site | Domestic lounge visits per year — verify count |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/icici-sapphiro-vs-kotak-royale-vs-sbi-primeMore ICICI Sapphiro Credit Card comparisons
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